I pay on time, never any problems with this company. Sounds like most people with bad experiences on here are a victim of themselves.
Use common sense people... pay on time. If I am not mistaken they even give you a ten day grace period for your payments. But I will say that if you can refi to get a better rate on your loan be sure to cancel your auto payments prior to your pay off.
Best advice is not to sign up for any automatic bill payments for any bill or lender. I have only spoken to their customer service once and I do not recall a negative discussion with them.
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